• I booked two separate flight itineraries on different airlines for a family trip to Ireland.
• I realized this was a mistake after the first airline diverted, and the second left without us.
• The fix cost my family nearly $3,000 in new tickets and a day's worth of touring.

I'm a veteran traveler who has booked more long-haul flights than I can count. But earlier this year, I made a very expensive rookie mistake.

While planning a trip, I came across a deal I couldn't pass up: a $317 one-way flight on Icelandair to Ireland with a multi-day layover in Reykjavik. It was essentially a way to take a trip within a trip without paying extra airfare.

The catch? The flight departed from New York, not our home airport in Florida. I'd be in New York a few days early, but my family would need to fly up to meet me. Booking separate itineraries was far from ideal, but I figured a five-hour buffer would be enough.

It wasn't.

A storm in New York canceled my family's JetBlue flight from Florida, and their replacement flight then couldn't land and was diverted to Virginia. Their Icelandair flight to Europe was automatically canceled after they were marked as no-shows.

On the night we were supposed to fly together to Iceland, my family was stuck states away, and I was scrambling to find a solution.

With my family's original flight gone, we had to spend nearly $3,000 to get them back on track and navigate the complicated credit card trip insurance process. Here are 4 lessons I learned the hard way.

Booking separate itineraries comes with a pricey risk

Arriving in the city of your next flight at least 24 hours before may feel a bit extreme, but it's the minimum safety net you need.

Being already in the right location for your flight can be a huge weight off your shoulders. It also allows sufficient time for rebooking should something go wrong with your flight.

My last-minute whim to visit a few friends upstate turned out to be key. Those extra two nights in New York meant I was able to make the flight to Iceland. If I had booked my family of three on a flight the day before our long-haul flight, they would have made it too.

My family made it to New York the next morning and ended up taking a replacement flight to Iceland that evening, getting in about 24 hours later than originally planned. I bought two basic economy tickets for $734 each, and one standard economy ticket with extra baggage allowance for $1,105. In total, I spent $2,573 on new tickets.

The costly mistake made me realize that although an extra hotel night is an added expense and may mean using more PTO, it's a cheap investment compared to the cost of new international flights — and the cost of missed events — if things don't go to plan.

This is especially worth it if you have definite plans right after your arrival, such as a cruise or a concert.

Neither airline has to help in my scenario

When you book connecting flights on a single itinerary, the airline is responsible for getting you to your destination. If you miss that connection through no fault of your own, then the airline will put you on another available flight at no additional cost.

When you book flights separately, you're responsible for making each connection — or buying new tickets if you miss one. And generally, regardless of reason, the airline operating your next flight isn't obligated to accommodate you if you miss it because of a problem with your previous airline.

Our tickets to New York and Iceland were separate, so despite numerous calls to each airline, none were responsible for the missed connection. If you do miss a connection on a single booking, look up alternatives yourself and discuss them with the agent. It's not guaranteed, but they may be able to accommodate you on a partner airline at a more convenient time.

And remember, it's not the staff's fault for the disruption. You get more bees with honey.

I should have read the fine print

I didn't book the cheapest fare, but I didn't read the fine print either.

When things started to go wrong, I was shocked to see there was a $250 change fee per person on my original flight and no refunds. Changing the tickets would have cost nearly as much as the original flight, plus the fare difference.

At the time, it was uncertain when my family would actually arrive in New York and feasibly be able to catch the next flight to Iceland, so we didn't change the tickets. Missing the first flight on this stopover itinerary meant my family was marked a no-show and their onward leg to Dublin was canceled, which is standard airline policy.

While there were other ways to get to Iceland, there were few nonstop flights from Iceland to Ireland — a one-stop meant at least four extra hours of travel — so the best option was to book a new stopover ticket with Icelandair.

When I started booking the new tickets, I noticed that almost every fare class had punitive cancellation and change policies — and this time I was sure to be familiar with the terms of my booking.

I need to better understand my credit card's trip protections

Premium credit cards can have your back when flight plans go wrong, but they don't cover everything.

We used the Chase Sapphire Reserve for Business' trip cancellation and interruption protection for the original Icelandair tickets and were reimbursed $952. The coverage typically reimburses covered unused, prepaid expenses — but not the cost of buying new airline tickets.

Trip delay coverage doesn't either, but it can cover other expenses for covered trips. However, credit card policies vary — and this is where I went wrong.

We booked the flights to New York on an American Express Business Platinum Card but used a different card for the return flights. That meant the Amex trip-delay protection did not apply: its terms require the full round-trip fare to be charged to the eligible card.

I had split the flights across cards to preserve Chase's bag-delay protection, but I didn't realize I was giving up the Amex protection in the process, so the $103 spent on dinner after the diversion wasn't covered. For future trips, I'll use only one credit card with good travel protections for all my trip expenses to reduce complications.

Airlines may also provide some compensation for flight disruptions. In our case, my family was reimbursed for a hotel stay ($185) on the night they were diverted. When delayed, I always keep receipts of all my added expenses to submit to the appropriate parties.

Overall, although our vacation had a rocky start and cost more than we planned, we had a great trip and are glad we pushed through it.

Missing a flight always seems avoidable in hindsight, and some things are beyond anyone's control, but with a few precautions, we can travel more confidently. Next time, I'm booking the extra hotel night.

• I used to work as a flight attendant, and I prefer passengers keep the shades closed during flights.
• Passengers are typically calmer and sleepier when the cabin is dark, which worked well for us.
• Shades should only be open during takeoff and landing, which is the best time for photos anyway.

There's a long-standing, quiet battle happening in airplane cabins around the world, and it's all about window shades.

Who actually owns control of the shade — the person sitting in the window seat, the cabin crew, or the row as a collective? (Opinions remain fairly divided.) Is it better for the shade to stay open or closed throughout the flight?

Between viral social media debates and endless discussions on flight etiquette, everyone seems to have an opinion, and so do I. For nearly a decade, I worked as a flight attendant with an international airline.

That means I've examined thousands of window shades before takeoff and landing to ensure they were open, just as I checked seatbacks were upright.

Many airlines require the shades to be open during these times, which makes sense to me from a safety standpoint. It's helpful to have a clear view outside in an emergency, and in case ground rescue teams need to see inside the plane.

However, once we hit cruising altitude, those safety rules pause, and my personal one kicks in: The window shades should be closed while we're in the air.

I've found that open shades can ruin sleep cycles and make a cabin rowdier

I honestly hate it when passengers keep their shades wide open, and it's especially bad on long, international flights. I know firsthand how crossing multiple time zones can be exhausting for the body.

Often, the best way to save passengers from severe jet lag is to help them get quality sleep in the air — and let's be honest, as a flight attendant, I definitely had a vested interest in keeping everyone happy and well-rested.

So, on long flights, my crew and I would intentionally dim the cabin lights to simulate nighttime and encourage everyone to rest. Even so, it only took one open window shade to ruin that peaceful environment for an entire section of the plane.

When blinding sunlight poured in, it didn't just wake sleeping passengers — it also created a terrible glare on laptops, tablets, and phones.

I've lost track of how many frustrated passengers rang their call buttons to complain to me about it, and how often I ended up having to mediate arguments about window shades.

Early on in my career, I also observed how ambient light seemed to directly change passenger behavior. Whenever we dimmed the cabin lights, travelers seemed to naturally settle down, read quietly, or go to sleep.

But when a flight stayed brightly lit, passengers more often stayed awake, chatted loudly, and ordered more alcohol, sometimes turning the flight into a party.

All in all, keeping the cabin dark tended to make the entire flight so much calmer, safer, and easier for us to manage. As my colleagues and I always used to say: A sleeping passenger is the best passenger!

If you're looking for good views and photos, you're better off waiting anyway

One of the most common reason passengers give for keeping their shades up is to take photos or enjoy the view. Although I completely understand the desire for a great aerial shot, the reality at 35,000 feet is usually underwhelming.

Most of the time, all you can see out the window is blinding white haze, cloud cover, or vast emptiness. The direct sunlight at high altitudes is often too harsh for a clean picture anyway.

If you really want great photos for your travel feed, the best time to take them is during descent and approach.

As the plane lowers toward the destination, you can actually get a clear, detailed view of cities, coastlines, and landscapes — and during those moments, the shades are already usually required to be open for safety reasons anyway.

Ultimately, though, the status of the shade is up to the passenger

Unlike takeoff and landing, where keeping shades open is often a mandatory safety rule, mid-flight shade policy is more about etiquette.

As flight attendants, we couldn't strictly enforce or mandate that passengers close them, as window-shade status isn't regulated by the Federal Aviation Administration.

However, many of us made a point of strongly requesting and encouraging the shades to be shut for the comfort of the whole cabin.

Now, whenever I'm sitting in the window seat as a passenger, I practice what I preach. The shade stays wide open for takeoff, goes straight down as soon as we hit cruising altitude, and pops back up on our final approach.

Pulling that shade down mid-flight is a tiny move, but it makes a world of difference. It can help keep the cabin dark and calm, let your fellow passengers sleep, and prevent a full-blown glare dispute at 35,000 feet.